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How much is car insurance in Hayward?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Hayward is in line with pricing for the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Hayward are below the national average. Auto insurance coverage in Hayward is about $26 cheaper than it is for the rest of the United States.
Although these are the average rates for auto insurance in Hayward, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for Hayward to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up in Hayward.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Hayward, however, male and female drivers both pay, on average, $54 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Hayward, a driving record with one accident will usually get you a rate around $70 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $91.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$54|
As you can see in the first table above, the cheapest vehicles to insure in Hayward are usually SUVs, trucks, and vans, which run about $53 per month.
Car owners, however, pay about $54 per month to insure their vehicle.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Hayward, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Hayward can be as much as $6 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Hayward. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Hayward, CA
Recent trends in car insurance for Hayward drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Hayward increased from 2016-2017, when they hit a high of $61. This pattern shifted in 2018, when they began to decrease, and have continued to do so through 2021, when car insurance rates reached a low of $41 per month.
How does Hayward compare to neighboring areas?
Why are car insurance rates in Hayward different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Road safety
- Availability of off-street parking
- Prevalence of crime
- Community regulations
- Amount of drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Hayward?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing coverage in Hayward.
Hayward Insurance FAQs
What factors affect car insurance quotes in Hayward?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hayward different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hayward?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hayward?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hayward or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.